Summary
Overview
Work History
Education
Skills
Accomplishments
Software
Timeline
Generic
Senthil Kumar ST

Senthil Kumar ST

Asst. Vice President- Credit Audit
Chennai

Summary

Proactive manager with demonstrated leadership abilities, strategic planning expertise and problem-solving acumen. Assists senior management with accomplishing demanding targets by encouraging staff and coordinating resources.


Offer 21 + years of Diversified experience in Credit Appraisal Audit, Business rule engine (BRE) testing & Implementation, Portfolio analysis, General Banking Operations.

Overview

21
21
years of professional experience
5
5
years of post-secondary education
1
1
Language

Work History

Assistant Vice President - Credit Audit

HDFC Bank Ltd
CHENNAI
08.2015 - Current
  • Responsible for auditing Credit card and Unsecured Loans approved by Underwriter / System (Straight Through Process) across the country
  • Heading two units of bank officers and outsourced resources in Mumbai and Chennai to achieve the goals
  • Implemented SQL based audit using PYTHON to identify Underwriting miss outs and process gaps
  • Identifying Samples using algorithms built basis agreed parameters and Risk trends
  • Responsible for savings from stopping incorrect approvals before disbursal.
  • Analyse Portfolio and sourcing trends and review approvals from stress segments
  • Responsible to work with stakeholders on error reduction and Non repetition of errors
  • Publish monthly newsletter on errors and trends to top management
  • Periodic visit and training Underwriting teams across country on error trends and reduction
  • To build, manage, monitor and train the team for effective sampling process
  • Handled Business rule engine (BRE) implementation testing in APS and monitor effectiveness of rule post implementation
  • Managed APS(Cards application) migration BRE Testing and various critical implementations

Manager - Retail Liabilities Operations

HDFC Bank Ltd
CHENNAI
11.2006 - 07.2015
  • Managed 25 member operations team part of centralized unit of retail Banking–Liabilities Operations
  • Responsible for CASA, Deposits account opening, customer instructions maintenance, reconciliation and remediation activities
  • Team Management -Managed the liability account opening team of Bank Officers and Outsourced processors, ensured efficient and error free processing in assigned tasks and meeting individual & team targets
  • Determining training needs of Team members and new joiners and conducting suitable training programs to enhance their operational efficiency, leading to increased productivity and quality
  • Responsible for performance appraisal of direct reportees
  • Review their performance in line with the KRA and share feedback
  • Process Improvement & Quality assurance: >Process flow designing for account opening and other processes
  • Ensured adherence to ISO & internal standards, evaluating them and suggesting changes/improvements periodically
  • Ensured smooth day to day account opening and other operations, adhering to the pre-set guidelines and deliver within agreed TAT
  • Established quality standards, implementing stringent quality control systems to enhance quality of processing and ensure error free processing
  • Participated and contributed to Flexcube(Core banking application) migration
  • Liaison & Compliance: Liaising with various functional departments and branches for smooth processing
  • To ensure compliance of standards, procedures and policies lay down by the Bank and statutory bodies.

Assistant Manger

INDUSIND Bank Ltd
Conoor
08.2005 - 11.2006
  • Associated with IndusInd Bank as Assistant Manger, designated as Operations Head , Responsible for overall Retail branch banking operations, which includes General banking, Customer service & Business development
  • To manage the day to day branch operations with the subordinate staff (Executives) and outsourced team
  • To ensure uniformity of Service Delivery in line with standard quality practices
  • Acting as a Relationship Manager for High Net worth Individuals & to enhance relationship value of existing customers
  • Responsible for the audit ratings of the branch – Both Internal & External (RBI)
  • Generating Periodical statements and MIS reports to the controlling unit for statutory and Business development purposes
  • To deliver the set Volume and Value targets of Liability products, Asset products and Fee income through third party products – Mutual Funds, Insurance and Gold coins.

Assistant Manager - Operations

ICICI Bank Ltd
Pudukotai
09.2003 - 07.2005
  • Responsible for Overall Branch operations comprising asset and Liability portfolio
  • In charge of day-to-day branch transactions processing at branch like Cash, Clearing, CMS, Transfers, Account Opening and handling escalated customer complaints
  • Supervised operations team to support operational excellence and excellent customer service.
  • Pre sanction appraisal of credit proposals, scrutinizing relevant documents, ensuring compliance with organizational credit policies and maintain a healthy credit portfolio
  • Complying government guidelines to fulfill the target of the bank in different thrust area including Priority sector and agriculture sector
  • To implement various quality initiatives at branch level like Five S and Customer First.

Territory Officer

BHARTI TELNET Ltd
CHENNAI
12.2002 - 08.2003
  • Responsible for Customer Relations and Business Development in the territory
  • Cultivated relationships with key accounts in territory and provided support to drive customer satisfaction.
  • Managed a team of field executives and relationship officers
  • Identifying development needs of the team and working with training department to schedule appropriate technical, product/ skills training
  • Reporting market potential and required MIS to top management.
  • Conducted regular market analysis to identify new opportunities for territory sales growth.

Customer Service Executive

MMC InfoTech Ltd (Citibank BPO)
CHENNAI
01.2002 - 09.2002
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
  • Providing first line customer support by attending queries and grievances vide E-Mail & resolving the complaints and ensuring minimum TAT
  • Ensuring high level of customer satisfaction matrices by quick resolving of queries and achieving service quality norms
  • Coordinating a team of three members and was reporting to the Product Manager

Education

MBA - Finance

VCMCS
Chennai
05.1999 - 04.2001

B.C.S - Corporate Secretaryship

Pachayappas College
Chennai
05.1996 - 04.1999

Skills

    Problem-solving

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Accomplishments

  • Implemented SQL based audit which contributed to enhancement of scope of cards and loan audit
  • Identified by the top management as a senior resource for implementing & training of various processes at decentralized locations across the country.
  • Awarded star performer, thrice during the tenure.

Software

Banking applications - FLEXCUBE, VISION PLUS, LOS, APS, Experian BRE (APS Testing), FINACLE, KAPITI

PYTHON- Basic knowledge on database Management

MS Office

Timeline

Assistant Vice President - Credit Audit

HDFC Bank Ltd
08.2015 - Current

Manager - Retail Liabilities Operations

HDFC Bank Ltd
11.2006 - 07.2015

Assistant Manger

INDUSIND Bank Ltd
08.2005 - 11.2006

Assistant Manager - Operations

ICICI Bank Ltd
09.2003 - 07.2005

Territory Officer

BHARTI TELNET Ltd
12.2002 - 08.2003

Customer Service Executive

MMC InfoTech Ltd (Citibank BPO)
01.2002 - 09.2002

MBA - Finance

VCMCS
05.1999 - 04.2001

B.C.S - Corporate Secretaryship

Pachayappas College
05.1996 - 04.1999

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Senthil Kumar STAsst. Vice President- Credit Audit